Terms and conditions apply; see. It's a convenient, flexible, and yep fun home base for your day-to-day funds and longer-term savings too. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. Spruce does have a couple downsides worth noting: Spruce is one of the most exciting mobile banking apps Ive come across recently. Year-round access may require an Emerald Savingsaccount. To qualify for the H&R Block Maximum Refund Guarantee, the refund claim must be made during the calendar year in which the return was prepared and the larger refund or smaller tax liability must not be due to incomplete, inaccurate, or inconsistent information supplied by you, positions taken by you, your choice not to claim a deduction or credit, conflicting tax laws, or changes in tax laws after January 1, 2022. Create personalized saving goals and round up your purchases. Spruce has no sign-up fees, no monthly maintenance fees, and thousands of fee-free ATMs4Go to disclaimer for more details all around the country. However, the Spending and Savings accounts are FDIC insured through Spruce's. You can file your return and receive your refund without applying for a Refund . Consult your own attorney for legal advice. . When you use your Spruce debit card to make online or in-person purchases with select merchants, you can earn cash-back rewards. Legal DisclaimersSpruce fintech platform is built by H&R Block, which is not a bank. Line balance must be paid down to zero by February 15 each year. Refund Transfer is an optional tax refund-related product provided by Pathward, N.A., Member FDIC. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. H&R Block does not provide immigration services. State e-file not available in NH. All Rights Reserved. Receive your federal refund up to 5 days early with Spruce. Not safe, not secure and no one can really help you. DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! For more information, visitH&R Block Newsor follow@HRBlockNewson Twitter. You can customize goals, start saving, and begin tracking your progress. Please drop us a line at solutions@sprucemoney.com or call us at 1-855-977-7823 so we can investigate this issue further and work on getting it fixed. Our front row seat on American life provides a unique understanding of how to help people get better with money, and weve applied those learnings to Spruce, said Jeff Jones, President and CEO of H&R Block. At The College Investor, we want to help you navigate your finances. Your goals can be anything you want them to be, from big ones like a down payment on a car or 6-month emergency fund to smaller ones like a new nonstick pan or work outfit. Please fix ASAP Update: Thinking it was a problem with the app, I go straight to the website. Personal state programs are $39.95 each (state e-file available for $19.95). micohn. Emerald Card Retail Reload Providers may charge a convenience fee. See, H&R Block Emerald Advance line of credit, H&R Block Emerald Savings and H&R Block Emerald Prepaid Mastercard are offered by Pathward, N.A., Member FDIC. All Rights Reserved. And the lady I spoke with, didnt even have the ability to close down my account ?!?! Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. Its like its disabled ?? Spruce fintech platform is built by H&R Block, which is not a bank. Our front row seat on American life provides a unique understanding of how to help people get better with money, and weve applied those learnings to Spruce, said Jeff Jones, President and CEO of H&R Block. For tax years beginning after 2017, applicants claimed as dependents must also prove U.S. residency unless the applicant is a dependent of U.S. military personnel stationed overseas. Once the transaction settles, youll receive the difference in your Savings account. Copyright2022-2023 HRB Digital LLC. Enroll in direct deposit to get your paycheck earlier2Go to disclaimer for more details than you normally would. There is no tuition fee for the H&R Block Income Tax Course; however, you may be required to purchase course materials, which may be non-refundable. II. Learn how to keep it safe. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep. You're saving it. Offer from H&R Block. All Rights Reserved. The Spruce mobile banking app includes nudges to help users set personalized savings goals and keep them. It is not an extension of credit; it is a courtesy exercised at the banks discretion. Tax Audit & Notice Services include tax advice only. Special cannot be part of TSB CD laddering package. The bottom line: Spruce is a solid mobile banking platform that doesn't charge monthly fees. There are more than 10,000 retailers that offer rewards. Youll then automatically qualify for early direct deposit if your payer (employer or benefits provider) supports it. When you use Spruce, its easy to set and monitor your progress toward financial goals. Limited time offer at participating locations. OBTP#B13696. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. For tax years beginning after 2017, applicants claimed as dependents must also prove U.S. residency unless the applicant is a dependent of U.S. military personnel stationed overseas. It gets worse from there.. Deposit your federal tax refund into your Spruce account and you could get it up to 5 days early. So whatever the problem is, it's on y'all's end. # Spruce Rewards powered by Dosh. Void where prohibited. KANSAS CITY, MO. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice. . Negative balances are limited to $20 and must be repaid within 30 days. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. It is a discretionary courtesy, not an extension of credit. If the online tax preparation or tax software makes an arithmetic error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, H&R Block will reimburse you up to a maximum of $10,000. All Rights Reserved. Conditions apply. During the Income Tax Course, should H&R Block learn of any students employment or intended employment with a competing professional tax preparation company, H&R Block reserves the right to immediately cancel the students enrollment. Cards issued pursuant to license by Mastercard. Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). Literally. Cash-back amounts and terms can vary by merchant location, offer period, and user, so check the app for up-to-date information. No monthly fees. You have to wait 5 days for someone to reach out to you but I told them Id contact my attorney for holding funds hostage and they called right away. Bank products and services are offered by Pathward, N.A. Money deposited in your account will be safe. Conditions apply. Limitations apply. ; it is not your tax refund. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Spruce isnt perfect; no fintech app is. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. File yourself or with a small business certified tax professional. Get access to thousands of fee-free ATMs near you to withdraw money on the go.4Go to disclaimer for more details. Your wireless carrier may charge a fee for text messaging or data usage. She is based in Los Angeles. Fees apply. Two-thirds of the U.S. population struggle with one or more aspects of their finances, including spending, saving, and planning. . Copyright 2022-2023 HRB Digital LLC. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. As the pandemic continues, and related economic uncertainty has highlighted the value of simple, easy-to-use spending and savings tools, Spruce, built by H&R Block with banking products powered by MetaBank, N.A. No minimum balance. To be eligible, you must receive $200 in qualifying deposits over the relevant 35-day time period and opt in. To begin, you will need to register your Spruce account online. Requires opt in and $200 in qualifying deposits over prior 35-day period. Emerald Card Retail Reload Providers may charge a convenience fee. See Spending Account Agreement for details. * Get started See bonus details Spruce fintech platform is built by H&R Block, which is not a bank. Neither H&R Block nor Pathward charges a fee for Emerald Card mobile updates; however, standard text messaging and data rates may apply. Were sorry to hear about the poor customer service experience you had and wed like to help! Supporting Identification Documents must be original or copies certified by the issuing agency. Whatever youre saving for, set personalized goals, start adding money, and track your progress. Available only at participating H&R Block offices. Tax returns may be e-filed without applying for this loan. Now put it to work for your future. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). May be changed or discontinued at any time. Once youve chosen one, you can then: Repeat as needed until all your goals are accounted for, and add new goals as they arise. Limitations apply. Built by H&R Block, Spruce is a mobile banking platform to help you set saving goals, earn cash back rewards at select retailers, 1 and get paychecks up to two days early. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Let a professional handle your small business books. She is also a Certified Educator in Personal Finance (CEPF). Amended tax returns not included in flat fees. Do your checking and savings account help you manage your money as efficiently as youd like? H&R Block, Inc. (NYSE: HRB) provides help and inspires confidence in its clients and communities everywhere through globaltax preparation services,financial products, andsmall-business solutions. To do this, many or all of the products featured here may be from our partners. About MetaBankMetaBank, N.A., a national bank, is a subsidiary of Meta Financial Group, Inc. (Nasdaq: CASH), a South Dakota-based financial holding company. Spruce is a mobile banking platform built and backed by H&R Block. Spruce fintech platform is built by H&R Block, which is not a bank. Terms and conditions apply; see. out Fees apply. 2022 HRB Tax Group, Inc. H&R Block Emerald Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. She told me she would have to submit a request to their back office to close my account and that basically I MIGHT get an email confirming closure, whenever they get around to it ?? No monthly fees, no sign-up fees, no minimum balance requirement. The Spruce mobile app is available in the Apple Store and Google Play Store, where it has 5 stars but limited customer reviews. FRA2. Federal pricing will vary based upon individual taxpayer circumstances and is finalized at the time of filing. I would run from these people. When you turn on the Round Up feature in your account, Spruce rounds up the value of every purchase and ATM transaction to the next dollar. Thank you! Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early 1, and earn cash back rewards at select retailers. No one can help me or give me information. Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. By authorizing H&R Block to e-file your tax return, or by taking the completed return to file, you are accepting the return and are obligated to pay all fees when due. To find out if you may be eligible for a HELOC, . I log in, email, password, and then a screen says nice let's set up your account. A 0% interest loan of up to $3,500 received within minutes of filing, if approved. Lets take a closer look at a few of the features and capabilities that set Spruce apart: Spruce is built and backed by H&R Block. At this time, the banking platform doesn't allow you to only open a Spruce Savings or Spruce checking account by itself. Update: HRBlock called me finally and kinda fixed the situation but not entirely. With the Spruce mobile banking app on your phone, you have control of your finances on-the-go, and the tools you need to be good with money. You are responsible for tax treatment of funds. If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), well refund the tax prep fee for that return and file an amended return at no additional charge. The H&R Block Emerald Prepaid Mastercard program provides clients quick and convenient access to their tax refund. Enrollment restrictions apply. Spruce is a mobile banking app for people who want to be better with money. TurboTax is a registered trademark of Intuit, Inc. 2023 NerdWallet, Inc. All Rights Reserved. This is a separate service from Spruce Spending and Savings accounts provided by MetaBank, N.A., Member FDIC. Sophia Acevedo is a banking reporter at Insider. See Spending Account Agreement for details. Id recommend spruce to my friends and family who want to get ahead of their finances, have early direct deposits, etc;. Most personal state programs available in January; release dates vary by state. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. Thank you! Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities. Were sorry for the issue you encountered with Spruce, and wed like to help. Online banks are just as safe as brick-and-mortar banks, and you may like them if you're comfortable banking digitally, Mobile banking lets you bank from anywhere, but may not offer as many services as traditional banking, Must open both Savings and Spending account, Spruce Savings account is linked to Spending account, which is the primary Spruce bank account, When you use the Spruce debit card at select retailers you'll get cash back rewards automatically deposited into your account, 55,000 free ATMs nationwide through the Allpoint ATM network, Deposits are FDIC insured through MetaBank, To receive Courtesy Coverage, you must make at least $200 in qualifying direct deposits within a 35-day period, To get a $20 bonus, open a new Spruce bank account before April 20, 2022, and make at least $200 in direct deposits during the first 45 days of opening the account. You could receive a $50 bonus and get paid two days early. FRA2. FICO is a trademark of Fair Isaac Corporation. GET PAID UP TO TWO DAYS EARLY Enroll in direct deposit to access your paycheck sooner. FREE CREDIT SCORE Understand what makes up your credit score, how different . A 0% interest loan of up to $3,500 received within minutes of filing, if approved. A mobile banking app for people who want to make the most of their refund. I also had to call 4 different times because their were multiple charges for 1 item bought. $50 will be deposited within 14 business days after completing all requirements. Safety starts with understanding how developers collect and share your data. Find a Chase branch and ATM in Wylie, Texas. You can snag your $50 bonus just for receiving qualified direct deposits. MetaBank works to increase financial availability, choice, and opportunity for all. Here's how Spruce can help you be good with money: - No sign-up fees, no monthly fees, no credit check, and no minimum balance required. Its accounts come with several special perks like cash-back rewards and early direct deposit. Amended tax returns not included in flat fees. You can get your federal tax refund up to 5 days early with Spruce, set personalized savings goals and round up your purchases to reach them faster, and get automatic cash back from more than 10,000 participating retailers. Spruce Spruce is a mobile banking app, built by H&R Block with bank products provided by Pathward, N.A. All tax situations are different. Receive 20% off next years tax preparation if we fail to provide any of the 4 benefits included in our No Surprise Guarantee (Upfront Transparent Pricing, Transparent Process, Free Audit Assistance, and Free Midyear Tax Check-In). They say it works with PayPal, cashapp, venmo etc..and it doesn't. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Form your business and you could get potential tax savings. - Round Up. Consult an attorney for legal advice. We believe in a future with equitable access to easy and affordable banking. It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. I was a little nervous because its a new platform but I wanted to find a faster way to get my tax refund. Bank products by Pathward, N.A., Member FDIC. Enrollment in, or completion of, the H&R Block Income Tax Course or Tax Knowledge Assessment is neither an offer nor a guarantee of employment. See www.SpruceMoney.com/fees for details. State restrictions may apply. All deposit accounts through Pathward are FDIC insured. You can file your return and receive your refund without applying for a Refund Transfer. You'll also have access to over 55,000 fee-free ATMs through the Allpoint network. CTEC# 1040-QE-2662 2022 HRB Tax Group, Inc. Spruce has no monthly fees, no sign-up fees, no overdraf. At an office, at home, or both, well do the work. Once registered, you will be able to add money to your card through direct deposit, linking your Spruce card to your bank account (for a fee of $3. Most state programs available in January; software release dates vary by state. However, the Spending and Savings accounts are FDIC insured through Spruce's banking partner Metabank. If you had to think for even a moment about how to answer, you might be ready for a change. CAA service not available at all locations. Our deep understanding of their needs helped us uncover that whats been missing in mobile banking are easy-to-use features in a product from a company people know and trust, said Les Whiting, Chief Financial Services Officer of H&R Block. These funds are generally made available the day the payment instruction is received, which may be up to 2 days earlier than the payers scheduled payment date. (Jan. 20, 2022) Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. US Mastercard Zero Liability does not apply to commercial accounts (except for small business card programs). And if you like Spruce now, keep your eyes peeled as we roll out some exciting new features in the coming months. Emerald Advance, When you use an ATM, in addition to the fee charged by the bank, you may be charged an additional fee by the ATM operator. Spruce fintech platform is built by H&R Block, which is not a bank. Refund Transfer is a bank deposit product, not a loan. DE, HI and VT do not support part-year/nonresident individual forms. Get help using Spruce online banking services. *Go to disclaimer for more details. We're back with some exciting additions and updates to Spruce!First up, we've made it even easier for you to set up payroll direct deposit straight from the app. See Spruce Rewards powered by Dosh Terms for details. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. * Offer from H&R Block. Spruce Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Receive your federal tax refund up to 5 days early, ** get paychecks up to two days early, 1 and earn automatic cash back rewards at select retailers. 6 Courtesy Coverage is only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using the Spruce debit card. All Rights Reserved. I downloaded the app and applied for account. See Spruce Rewards powered by Dosh Terms for details. Additional fees and restrictions may apply. If you make an eligible purchase, youll receive the reward in your Spruce Savings account with no further action required. At which point it takes me right back to the log in screen. Spruce fintech platform is built by H&R Block, which is not a bank. With Spruce, you'll open checking and savings accounts. OPEN AN ACCOUNT Table of Contents What Is Spruce? Refund Transfer is a bank deposit product, not a loan. It was recommended to me when I visited H&R block to do my taxes. - Get your Federal Refund Early! Refund claims must be made during the calendar year in which the return was prepared. State restrictions may apply. Pricing varies by location. The Income Tax Course consists of 62 hours of instruction at the federal level, 68 hours of instruction in Maryland, 80 hours of instruction in California, and 81 hours of instruction in Oregon. It is not an extension of credit; it is a courtesy exercised at our discretion. How Do I Contact Spruce? You won't have to deal with monthly service fees, minimum opening deposits, or overdraft fees. Endorse your check, then tap "Next". Interest calculated on current balance at day of deposit. (member FDIC). $20 bonus if you meet the requirements and open an account before April 20, 2022. Having an ITIN does not change your immigration status. This course is not open to any persons who are currently employed by or seeking employment with any professional tax preparation company or organization other than H&R Block. Member FDIC. Penalty for early withdrawal. Tax returns may be e-filed without applying for this loan. We connect to your payroll provider, and you choose how much you'd like to deposit into Spruce each time you get paid.The next feature is the Watchlist, a quick and easy way to track your month-to-date spending by category. HRB Tax Group, Inc. KANSAS CITY, Mo., Jan. 20, 2022 (GLOBE NEWSWIRE) -- Living paycheck to paycheck is one of the biggest sources of economic stress for Americans todayand these anxieties impact mental and physical health. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block or Pathward. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. While the Spruce mobile banking offering is new to the marketplace, H&R Block has been offering clients access to quality financial products and services for decades. Spruce has dozens of 5-star reviews in the App Store and numerous 4- and 5-star reviews from banking experts who review apps like Spruce for a living. The developer provided this information and may update it over time. This is an optional tax refund-related loan from Pathward, N.A. This card and service is downright awful. To be eligible, accountholder must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds. Were sorry for the issue you encountered with Spruce, and wed like to help. Spruce is a financial technology platform that combines the best features of leading neo-banks with H&R Blocks trusted brand, our 66-year history, and the insights weve gained from helping millions of customers every year. Bill pay, mobile deposit, and multiple transfer options to help you send money quickly and conveniently Personalized support through our Branch network, Live Chat assistants, ITM services and Customer Contact Center Explore your options to see the different features and benefits that come with each account: Evergreen Checking Northwest Checking State e-file available for $19.95. This doesnt influence our evaluations or reviews. E-file fees do not apply to NY state returns. Saving goals. CAA service not available at all locations. Void where prohibited. Editorial Note: They had to activate the card themselves and set the pin number so they had my pin and all my info. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. To qualify for the H&R Block Maximum Refund Guarantee, the refund claim must be made during the calendar year in which the return was prepared and the larger refund or smaller tax liability must not be due to incomplete, inaccurate, or inconsistent information supplied by you, positions taken by you, your choice not to claim a deduction or credit, conflicting tax laws, or changes in tax laws after January 1, 2022. After completing these qualifying activities, you should receive your $50 bonus within 14 business days. Umm. 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